American Express® Gold Card Review

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American Express® Gold Card

American Express® Gold Card

Editor’s Score: (4.3/5)
Learn more externa link icon at our partner’s secure site See Rates & Fees, Terms Apply.
Rewards rate:

Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on

  • Intro bonus: 60,000 points
  • Annual fee: $250
  • Regular APR: See Pay Over Time APR
  • Recommended credit score: 670-850 (Good to Excellent)

If you’re the type to daydream about all those trips you’ll take after the pandemic lets up, the American Express Gold Card offers a great rewards structure that lets you rack up points for future travel.

At a Glance

  • Tiered points system including 4x points at restaurants and on Uber Eats purchases, 4x points at U.S. supermarkets (up to $25,000 in purchases per calendar year, then 1x), 3x points for flights booked directly with airlines or on, and 1x points on other eligible purchases
  • Introductory offer of 60,000 points when you spend $4,000 on eligible purchases within six months of card membership
  • 15.99% to 22.99% variable APR for Pay Over Time (See Rates & Fees)
  • Up to $120 annual dining credit and up to $100 credit on qualifying activities when booking through the American Express Hotel Collection 
  • $250 annual fee


  • Tiered points system

  • Welcome bonus offer

  • Travel, shopping, and entertainment benefits


  • Annual fee

  • Value of points dependent on how you redeem

Additional Card Details

American Express cards are known for their luxe benefits, and the Gold card lives up to the reputation. You’ll have access to travel benefits, shopping perks, and entertainment extras.

Here are some extra perks that come with the Gold card:

TravelShoppingDining and Entertainment
• No foreign transaction fees (See Rates & Fees)

• Personalized travel service to help plan trips

• Hotel credit on qualifying charges

• Car rental insurance

• Global travel assistance hotline

• Baggage insurance 
• Extended warranty on covered purchases

• Purchase protection

• Dispute resolution 
• American Express Experiences 

• Preferred seating for select events

• Dining credit 

In addition to the dining credits, you’ll get access to The Hotel Collection through Amex. When you book a hotel stay through Amex, you’ll get up to a $100 hotel credit on qualifying charges and a room upgrade when you arrive, if available (for stays of at least two nights). American Express Experiences offers discounted or first-choice tickets to public events like concerts and sporting events.

Should You Get This Card?

The American Express Gold Card is great for a frequent flier, dining-outer, and about-towner.  The perks and points are valuable if you use them, but if not, the $250 annual fee may be steep with limited benefit. 

It might take a little extra thought to maximize the value of your points, and it’s less straightforward than cash rewards, but it’s possible to get more value than even top cash back cards if you do it right. 

You’ll be able to redeem your points in a number of ways, like through gift cards, merchandise, and travel or entertainment options via the American Express site. Or you could transfer the points to one of American Express’s travel partners to get optimum travel savings. These  frequent flier or hotel rewards programs can double the value of your points. 

You can also redeem points for a statement credit, but you may lose some value in the process. You won’t be able to redeem for a check or cash as with some other existing rewards cards.

How to Use American Express Gold Card

This card offers an excellent intro bonus of 60,000 points after spending $4,000 on eligible purchases in the first 6 months of card membership, so you should have a plan to hit that with your normal spending in the months after opening the card. After that, here’s how the American Express Gold Card earns you tiered points back:

  • 4x points at restaurants and Uber Eats purchases
  • 4x points at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1x)
  • 3x points for flights booked directly with airlines or on
  • 1x points on other eligible purchases

Getting 4x points is no small reward, so you should use this card every time you dine, get takeout, or run to Trader Joes. You’ll get the best value for these points by booking travel with Amex partners. With just those 60,000 intro points (after spending $4,000 in the first 6 months), for example, you could get $600 toward eligible flights, $420 on, up to $600 in gift cards, or a $360 statement credit, according to Amex’s rewards calculator.

Also make sure you use the dining and hotel credits, up to a $220 value that almost cancels out the $250 annual fee on its own, though there are stipulations to both of these rewards. The hotel credit only applies to qualifying activities when you book through The Hotel Collection, and the dining credit is good for up to $10 a month at a handful of restaurants, and includes Grubhub. 

You can redeem your points for the most value by booking travel through American Express travel partners. You can transfer your points to a frequent flier program, like Aeroplan or Delta SkyMiles, to unlock more savings, but once points are transferred they cannot be reversed.

American Express also often offers members additional deals throughout the year for further saving.

American Express Gold Card Compared to Other Cards

American Express® Gold Card

American Express® Gold Card

Editor’s Score: (4.3/5)
American Express Cash Magnet® Card

American Express Cash Magnet® Card

Editor’s Score: (3.8/5)
Chase Freedom Unlimited®

Chase Freedom Unlimited®

Editor’s Score: (4.7/5)
  • Intro bonus:
  • Annual fee:
  • Regular APR:
    14.99% – 23.74% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site

Bottom Line

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

You’ll get the most value from your American Express Gold if you use your points advantageously to save on things like travel — especially if you transfer your points to airline or hotel partners.

*All information about the American Express Cash Magnet Card has been collected independently by NextAdvisor and has not been reviewed by the issuer.

For rates and fees of the American Express Gold Card, click here

Frequently Asked Questions

Is there an annual fee?

Yes. There is a $250 annual fee for the American Express Gold Card.

What credit score is required?

You’ll need good to excellent credit (670-850) for the American Express Gold Card.